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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one the ... to protect your assets is Small Business Insurance. But what kind of ... it comes to insuring ... enough to put a small business out of business! Public Liability Insurance explained. Professional Indemnity ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or damage to ... result of your business' activities. Failure in obtaining public ... result of your business' activities. Failure in obtaining public liability insurance policy can ... public liability insurance is not a statutory requirement, most small to medium sized businesses ...

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Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'

... Winner of Bizcover.com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte ... seniors, and thanks to Bizcover.com.au's Small Business ... way micro, small and medium sized businesses buy Professional Indemnity, Public Liability, Business Insurance, Management ... range of other small business programs such as the Small Business Champion Awards, which ...

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Things you didn't know about small business insurance

... the insurance sorted for your small business can be pretty straightforward, jump ... the insurance that suits your business. But there are a few ... the insurance sorted for your small business can be pretty straightforward, jump ... put this in perspective, a public liability policy for an SME working ...

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Small Business Insurance Price Index Q3

... quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown ... ... quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown ... non professional sector, primarily around Public Liability and Business Packs (predominately covering perils ...

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A $2,000 Wish for Your Small Business

... any small business owner about the most difficult aspect of running a business ... venturing down the path of business ownership is trying ... expense! Starting off as a small business themselves back in 2008, BizCover ... , they've been granting wishes of small businesses around Australia since 2014 with ...

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Help Protect your small business' reputation

... it comes to running a small business, your brand and its reputation ... take just one small mistake to destroy your business in minutes. As ... it comes to running a small business, your brand and its reputation ... have devastating effects on a small business. Some of the examples that ...

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5 Legal Essentials for your Small Business

... in the community and growing small businesses. You may be just starting ... ... essential legal needs of every small business owner. These will protect your ... really matters – growing your business! 1.Know your Business Structure Whether you operate ...

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Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... on the running of your business and your bottom line.  Whilst ... ... Theft is unfortunately common for small businesses, especially for shop fronts with ... personal items stolen. While most small businesses can't afford to implement the ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their ... out or have been in business a while, you'll want to ... make the most of your business ... . Smart Website Design For most small businesses having a web presence is ... your Financial Services As a small business, you need to ensure that ...

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Is your Small Business Summer Proof?

... of challenges and risks every small business should be aware of. Complete ... ... of challenges and risks every small business should be aware of. Complete ... take advantage of. As many small businesses shut to enjoy the summer ...

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Small Business Continues to Win on Insurance Prices!

... pressure, prices remain flat for small business. Recent financial results from the ... price increase; however the BizCover Small Business Insurance ... pressure, prices remain flat for small business. Recent financial results from the ... price increase; however the BizCover Small Business Insurance Price Index for the ...

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Preparing your small business for a Tax Audit

... random audits of 100's of small businesses. Even if your books are ... that any audit of your business is as painless as possible. ... ... have put in your returns.  Small businesses are required to keep all ... process. The cost for a small business audit can sit anywhere between ...

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Small Business Resolutions for 2017

... both your personal life and business life and set some goals ... long way to focusing your business in the right direction. And ... ... recently asked a number of Small Business owners about their 2017 resolutions. ... professional.” 3. Cost cutting “My small business resolution; set new goals and ...

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The Risks of Growing Your Small Business

“The only strategy that is guaranteed to fail is not taking risks.” – Mark Zuckerberg There comes a time when every successful enterprise needs to ditch ... accountant! Interest payments charged on business or investment loans are tax-deductible ... ? Insure your legal liability! Public Liability (or 'PL') covers claims against personal injury ...

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Public Liability Insurance

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... your business against accidents is a relatively simple process. Purchasing public liability insurance ... cover, every adverse eventuality for small businesses. The site offers policies covering ...

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What is Public Liability Insurance

... , loss or damage to property. Small business owners have a responsibility to ... are doing business with another business, make sure they have public liability insurance too ...

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Public Liability Insurance

Here's the lowdown on public liability insurance As a small business owner you already have ... and defence costs Public Liability Insurance protects you and your business against the ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide turning? An oversupply of capacity and competition in the insurance market over the last few years has ... , Combined Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb, BizCover ... The Combined Professional Indemnity & Public Liability market, which is largely dominated ...

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Progressive Distillery in Hobart Tasmania, defeats hundreds of others Small Businesses Nationwide to become the latest winner of BizCover's $2000 grant, BizGiver.

Deviant Distillery, a high tech distillery in Hobart Tasmania, is doing something no one has even though of before. They've developed their own propriety technology that ... Small Business Insurance Comparison Site, is a $2000 Small Business Grant that awards a Small Business ... these individual and very unique businesses like Deviant Distillery be successful ...

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The Risky Business of Insurance

... Real Costs to Australian Small Business? Small business owners tend to be ... and future planning. Managing business risk and ensuring that ... a ... the Real Costs to Australian Small Business? Small business owners tend to be juggling ... Examples of “must have” insurance: Public Liability– protects against legal and court ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... for most risks that a small business faces? When looking for Business Insurance, most small business owners typically worry about covering ... to ensure you have your Public Liability cover in case a customer ...

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Gold Coast Mobile Juice Business Gets a Boost

... Winner of Bizcover.com.au $60,000 'Small Business Buddy Program' Queensland, October 13 ... the newest recipient of a small business wish - a new ... way micro, small and medium sized businesses buy Professional Indemnity, Public Liability, Business Insurance, Management ... range of other small business programs such as the Small Business Champion Awards, which ...

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Dishing up the facts on food business insurance

... it comes to insuring your small food business, sometimes it can feel ... ... types of insurance should food businesses consider? Public Liability Insurance Dishing up food ... that go into making a small business dream a reality, making it ...

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The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... , it could also represent a public liability risk, for which the Easter ... He also has cover for Business Interruption, and should the unthinkable ...

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6 Areas You May Not Have Thought Business Insurance Covers

... it's vital to protect your business assets and revenue against potential ... risks that may impact your business, such as fire, storms, theft .. ... to run your business and earn an income? Business Interruption provides cover ... other essential covers such as Public Liability and Professional Indemnity insurance to ...

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Business Horror Stories

Running a business can be a wonderful rewarding ... think. 1 in 5 Australian businesses are the victims of a ... ... incur the additional costs of business interruption and productivity loss, network ... a serious toll on a small  business, even shutting them down for ...

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7 Steps for Your Business to Survive and Thrive

When you first launched your business, you probably thought you'd bought ... first few years. If your business is failing to thrive quite ... When you first launched your business, you probably thought you'd bought ... referral incentives for recommending your business to new customers. Running a ...

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Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... the best value on your business insurance. Cover yourself up! Check ... of your policy match your business today.  If you have downsized ...

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Insurance Premiums for Retailers Continue to Climb

... to Climb The latest BizCover Small Business Insurance Price Index has been ... is showing an increase in small business insurance rates, with the ... to Climb The latest BizCover Small Business Insurance Price Index has been ... a massive 8 points for Public Liability and Business Packs, most other industries ...

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SMEs continue to benefit from low premiums; despite talk of price rises.

... for insurance for larger businesses, the latest BizCover Small Business Insurance Price Index ... ... for insurance for larger businesses, the latest BizCover Small Business Insurance Price Index ... down. Professional Indemnity and Public Liability, including multiple section business packs, remained consistent ...

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Comparethemarket.com.au and BizCover Announce White Label Partnership

... comparethemarket.com.au have joined forces, offering small business customers an opportunity to compare ... the leading online provider of small business ... comparethemarket.com.au have joined forces, offering small business customers an opportunity to compare ... their SME customers directly. Comparethemarket.com.au's small business customers will be able to ...

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BizCover wins dual accolades over two big nights

... better customer experience in the Small Business Insurance space. On Tuesday night ... honoured to win the Small Business Award for Business< ... honoured to win the Small Business Award for Business Excellence at the Australian ... Awards. The award recognised the “Small Business Insurance Made Even Easier” campaign ...

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Pet Stays, becomes the 32nd BizGiver winner

... of BizCover Insurance's BizGiver $2000 Small Business Grant, winning an SEO package. ... ... Small Business Buddy) has given away over $55,000 in small business grants to small businesses. ... There has been a wide range of Small Businesses ...

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Scooter & Jinx wins BizGiver Grant

... AND WINS THE BIZGIVER $2000 SMALL BUSINESS GRANT. Tucked away in Little ... ... ” explains Chris, “The support for small business in Melbourne and surrounds is ... $2000 small business grant that realises the wish of the winning small business every ...

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BizCover partners with Energy Retailer CovaU

Online small business insurance provider BizCover has announced ... to offer insurance to its business customer base. The BizCover solution ... ... often delivering substantial savings to small businesses. “We're thrilled to be formally ... work and driving savings for small businesses, making this a perfect partnership ...

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BizGiver finds it's latest winner in Wild Forage

... is crowned; Wild Forage, a small business supplying seasonal wild edible plants ... portable fridge, critical to their business. Wild Forage is bringing ... is crowned; Wild Forage, a small business supplying seasonal wild edible plants ... success is due to the small business community, who have embraced our ...

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44 Ways Apps Can Increase Your Productivity

For small business people time is money. Here’ ... manage your workload. Entrepreneurs and small business owners must find ways to ... tools that ... manage your workload. Entrepreneurs and small business owners must find ways to ... tools that every entrepreneur and small business owner should consider to manage ...

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A Close Shave with Underinsurance

Just as your business is growing and changing it’ ... exposed.  A large number of small businesses in Australia are underinsured and ... ... exposed.  A large number of small businesses in Australia are underinsured and ... that brings dread to any small business owner. Samantha realised that she ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight ... competition in the business insurance market. The BizCover Small Business Insurance Index has Business Insurance Premiums Decline 10 Straight ... competition in the business insurance market. The BizCover Small Business Insurance Index has ...

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Preparing your store for the holiday season ahead

... an important time for retail businesses. It can provide a much ... to protect your customers, your business, and your assets. Take safety ... ... protect you and your business against a public liability claim. Reduce shoplifting The ... hackers constantly looking to exploit small businesses there's a number of steps ...

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5 Tips for an Insurance Health Check

... a general review of your business, it's worth taking time to ... the unthinkable happens and your business is hit by a major ... ... types of insurance available for small businesses and the risk areas that ... advice that has been provided. Public Liability Protection against the damages from ...

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Keep calm and stretch on with Yoga Teacher insurance

... in place to protect your business. Let us centre your insurance ... ... party property while conducting your business activities, at any location. Meaning ... their yoga teacher members: $10m Public Liability $5m Professional Indemnity (malpractice), preferably ...

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Who is Covered Under an IT Liability Policy?

... they can get on with business. The problem is good advice ... ... they can get on with business. The problem is good advice ... policies combine Professional Indemnity (PI), Public Liability and Products Liability to cover ...

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5 Common Beauty Insurance Claims

... a devastating effect on your business. We take a look at ... ... my landlord to hold a Public Liability policy. I've always enforced strict ... can be crippling to your small business. Cassandra*, an experienced laser therapist ...

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The Remaining Risk: What Isn't Covered and Why it Matters

... the most common issues with Business Insurance is that policy owners ... ... insurance. Read the below carefully: Public Liability – This protects against the financial ... Owners will sometimes underestimate their business building and contents' value for ...

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Insurance Considerations for Personal Trainers

... to protect yourself and your business from the […] ... to protect yourself and your business from the different risks that ... these types of risk consider public liability insurance which will provide financial ...

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New Year Insurance Health Check!

... also a great time for business owners to take stock of ... bit of planning for the business year ahead, including the goals ... ... to expand, acquire businesses? Grow sales? Perhaps the business has already grown ... consider increasing the level of public liability insurance that you hold. Are ...

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Tips for making a Stress-Free Claim

... it is to get your business back up and running as ... ...   Measure the Impact Something that small business owners often forget, is how ... another location? This is where Business Interruption insurance comes in handy ...

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Customer Spotlight: Cazeil Creative

... Cazeil Creative, a versatile photography business from the Blue Mountains. The ... ... Cazeil Creative, a versatile photography business from the Blue Mountains. The ... my own and create a small business in the field of my ...

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Beauty to go! What Mobile make-up artists need to know about insurance

There are some obvious pros to working as a mobile freelance make-up artist - you have control over the hours you work, you get to work with a wide range of clientele ... claims and circumstances Property damage Public Liability Insurance Working closely with your ... Public Liability insurance also extends to Product Liability cover which protects your business ...

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Product Liability Insurance

... of a Public Liability policy. It is designed to protect businesses against the ... making a claim against your business for personal injury or property ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... arising from your previous work. Public Liability Insurance If you're dealing with ... damaged, destroyed or even stolen? Business Insurance provides tailored protection for ...

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Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... to protect you and your business against the financial risk in ... types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for ...

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We Bar None wins the 36th BizGiver Grant

The latest winner of the BizGiver grant is Ellen Burns, owner of We Bar None. Based in Ballarat, We Bar None promotes better living with its wide array of health-conscious ... that come with being a small business owner, Ellen says she wouldn't ... in the world. “Being a small business owner is incredibly hard and ...

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Sto Lat Restaurant & Café wins the BizGiver grant

Conveniently located in Ashfield, the heart of the Inner West, is the latest recipient of the BizGiver grant, the Sto Lat Restaurant and Café! The restaurant specialises ... reduce their environmental impact and business expenses. They wished for new ... article being published. Own a small business? BizGiver grants the wish of ...

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Customer Spotlight: Being Brands

For this week's Customer Spotlight we look at creative brand agency, Being Brands. Being Brands is a creative agency located just outside of the Sydney CBD in Hunter ... was able to grow her small business to be a successful agency ... insurance a must. “As a business, we are involved in government ...

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Personal Accident and Illness Insurance for Tradies

Does the thought of being off work for three months due to a major mishap with a nail gun horrify you? As far-fetched some accident stories may sound, the reality is ... not only cost you your business but severely impact on your ... If you are a self-employed small business owner or a contractor, Personal ...

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Taking the W: The Art of Celebrating a Win

... level of protection we give small enterprises when bad things happen. ... ... level of protection we give small enterprises when bad things happen. ... naturally less invested in the business than you and benefit from ...

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Professional Indemnity Claims: when should I notify my insurer?

... covers you have for your business. If things don't quite go ... of action taken against your business. Like all insurance policies, there ... ... of action taken against your business. Like all insurance policies, there ... disputes yourself, no matter how small the problem is, as you ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and ... is especially the case with Business Insurance options like Portable Equipment ... ... is especially the case with Business Insurance options like Portable Equipment ... replacement if something goes wrong. Small things often come with expensive ...

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Why having an office inventory list is essential.

... kind of thing that gets business owners excited, that is until ... like, but what about the smaller items, […] ... kind of thing that gets business owners excited, that is until ... like, but what about the smaller items, which may be low ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and ... ... building, contents and/or stock a Business Insurance policy usually comes with ... speaking: Building or business contents: If buildings or business contents are lost ...

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Professional Indemnity for Real Estate Agents

... under the Property, Stock and Business Agents Act 2002 hold a ... ... under the Property, Stock and Business Agents Act 2002 hold a ... their client.   Property, Stock and Business Agents Act 2002 Whitaker v ...

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Customer Spotlight: Cheaper Buy The Dozen

After working 22 years in the car industry, Mansel Milne made the jump to the wine industry and started the online wine delivery company Cheaper Buy The Dozen. In its ... “We now have a dedicated small team of people who work ... insurance plan for his business. “I believe all businesses should be insured ...

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Customer Spotlight: Yummy Dogs

There are good dogs and bad dogs. Eight years in, and Yummy Dogs founder Olaf is slowly but surely weeding out the rogues with a fresh dedication to quality hot dogs ... car manufacturers) and expanded the business to include their own range ... we cater for everything from small, intimate office meetings to large ...

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How the cost of Professional Indemnity insurance is calculated

Ever wondered how the cost of a Professional Indemnity (PI) insurance policy is calculated and why one profession can often cost more than another? We look some of the ... The size of your business As your business grows, so can things ... which level of cover your business may need: Legislative and/or industry ...

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Customer Spotlight: Elite Words

On today, International Women's Entrepreneurship Day, we celebrate with one entrepreneurial BizCover customer, Natalie Dawson of Elite Words. After over ten successful ... only a few months in business, Elite Words has already made ... with BizCover. “I insure my business because it is the right ...

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Lifestyle Tradie Group trades up; next Small Business Buddy Winner

... Team wins the latest $2000 Small Business Buddy Wish from BizCover Insurance. ... the latest winners of BizCover's Small Business Buddy Wishes, with ... productivity will improve overnight”. The Small Business Buddy Wishes grant is an ... coverage for Small Businesses. “Our success is due to the small business community, who ...

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Childers Local wins the latest Small Business Buddy Grant

... of the Bizcover $60,000 ‘Small Business Buddy Program’ Grant Queensland,February ... animal grooming and pet care business “Hannah ... of the Bizcover $60,000 ‘Small Business Buddy Program’ Grant Queensland,February ... the latest round of Bizcover's Small Business Buddy Program. An avid animal ...

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Latest Small Business Buddy Winner: Evermore Memories

... PRIZE.  Latest Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a ... the latest winner of BizCover's Small Business ... PRIZE.  Latest Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a ... early stage funding. The BizCover Small Business Buddy Grant is specifically designed ...

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Reviews related to public liability for small business

  • Very affordable insurance for public liability. I now use Bizcover for both my fast food business and my contractual training work.

    Katrina S
    Fast Food Retailing

  • Easy very fast and efficient, 1st timer on public liability insurance

    Les K
    Door Or Window Wholesaling

  • seems easy enough to obtain our public liability. Hopefully we are fully covered now.

    Natalie R
    Commercial Cleaning Services

  • very easy to get my public liability insurance done within minutes!! Thanks.

    Troy M
    Landscape Construction

  • It was so fast and simple to obtain insurance for my small business!! I am a new small business owner and am new to this so I found it easy to use and fast to obtain :)

    Ragan M
    Allied Health

  • Very easy to navigate. Great for small business owners looking for clear concise quick service.

    Claire D
    Recruitment Consulting / Employment Agency Services

  • So easy and affordable to small businesses!

    Christy B
    Beauty Salon Operation

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Get the cover that's right for your business

With BizCover you can choose policies from 3 levels of cover, $5 million, $10 million and $20 million.

Policies are usually tailored to individual businesses. Each business will require a different amount of cover and when deciding on how much cover you should have you should think about the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally think about what your level of risk and exposure could be. What kind of accidents could occur and what could be the potential cost of a claim?